Held earlier this year, our Property MasterClass went through the essentials of borrowing when it comes to investing in property.

2. Important Legal Stuff
[aka a disclaimer]
• This presentation has been prepared for general
information purposes only and not as specific advice to
any particular person. Any advice contained in this
document is General Advice and does not take into
account any person’s investment objectives, financial
situation and particular needs.
• Before making any investment decision based on any of
our presentations, you should consider, with or without
the assistance of a professional adviser, whether it is
appropriate to your particular investment needs,
objectives and financial circumstances.

3. Agenda
Rates
Repayment Terms
New credit laws
Broker V Banker
Tips + Tricks

4. Who are Foster Ramsay Finance ?
• Offer
choice;
through
partnering
with
40
of
Australia’s
top
Banks
and
Lenders.
• To
innovate
through
doing
business
with
the
best
in
the
industry;
and
• Take
an
honest,
ethical,
responsible
and
no-­‐bullDsh
approach
to
business.
• To
invest
in
market
leading
soFware
that
will
make
property
investment
efficient
and
effecDve

5. Experience
CHRIS FOSTER-RAMSAY
Owner and Principal Finance Broker
Mobile +61 (0)448 010 999
Office: +61 3 8844 5611
lending@fosterramsay.com
Full Member MFAA
Approved MFAA Credit Adviser
Qualification/s:
Dip. FS | RG 146 | B.Arts | G.Cert Ent & Innv
Authorised Credit Representative (402184) of Connective Credit
Services who holds Australian Credit Licence 389328

6. Rates

7. Repayment Terms

8. New Credit Laws
• What
are
the
changes?
• Does
that
mean
if
I’m
a
day
late
with
my
phone
bill
I
wont
be
able
to
borrow
any
money?
• What
informaDon
will
be
reported
back
to
my
credit
file?
• Are
we
heading
towards
an
e-­‐applicaDon
process
?

9. Broker V Banker

10. Lending Panel

11. It’s about the Relationship
Happy Birthday !
Important Finance
News: Rates going up –
Lock in your rate now.
Regards, Chris
We will update you via email & text
when it matters

12. What makes a great Broker ?
• A bespoke finance strategy for you
• Qualified and Accredited with many
lenders to give you choice
• Use a cross section of Bank and Non-Bank
Lenders
• Paid by results; NOT Salary
• Fee and Commission disclosure

13. Banker or Broker
What’s the Difference ?
• Banks will cross collatoralise everything if they can
• Banks wont help you maximise LVR as you grow your
portfolio
• Banks only present their option
• Banks are a single funder
• Computer Says Yes / No - Banks like deals that fit in a
box
• You will not often deal with the decision maker at Branch
Level – often centralised decision
• It’s the Bank’s money and they don’t care about your
problems. They just want it back.

14. Tips + Tricks

15. Cross Collateralisation

16. Cross Collateralisation
• VERY RISKY
• Bank contracts enable them to pool secured
assets across multiple debts by using an “all
monies clause”
• If you have multiple loans with once bank
they can take funds from one account to clear
any arrears on any loan using an “account
combination” clause

17. Individual Collateralisation

18. Individual Collateralisation
• Allows you to regain control
• Separate security for each loan – spreads the risk
• Easier to top up multiple loans for small amount/s.
Easier to buy / sell / refinance
• Avoids domino effect if you have difficulty in one
area
• Financiers more negotiable if they can see assets
they can’t touch.

19. The POWER of 100% Offset

20. The POWER of 100% Offset
• Keeps savings available and minimises
interest
• Enable you to pay off debt many years
ahead of schedule
• Keeps loan amount at its maximum whilst
minimising interest costs
• Easier to access equity without refinancing

21. Family Guarantee

22. Questions

27. fosterramsay.com